Dodge Ram 2500 Insurance Rates

U.S. average insurance rates for a Dodge Ram 2500 are $1,186 a year for full coverage insurance. Comprehensive insurance costs around $198 each year, collision insurance costs $274, and liability coverage costs $534. Liability-only coverage costs as little as $588 a year, and high-risk coverage costs $2,556 or more. Teen drivers pay the highest rates at up to $4,746 a year.

Average premium for full coverage: $1,186

Price estimates for individual coverage:

Estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and Ram 2500 models.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than larger metro areas. The graphic below illustrates how where you live affects auto insurance rates.

The ranges above illustrate why all drivers should compare rates for a specific zip code, rather than using price averages.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below illustrates average Dodge Ram 2500 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $715
• Drivers who choose higher $1,000 deductibles will pay about $108 each year
• The estimated price for the average middle-age driver using $500 deductibles is $1,186
• Choosing low deductibles for comprehensive and collision insurance will cost an additional $206 each year
• High-risk insureds with multiple violations and an at-fault accident could pay at least $2,556
• The price that insures a teenage driver can be $4,746 a year

View Chart as Image

Auto insurance prices for a Dodge Ram 2500 are also quite variable based on the trim level and model year, your age and driving record, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are probably paying at least $1,400 to $2,000 in extra premium each year, depending on your age. Insurance for high-risk drivers can cost around 42% to 131% more than average. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,100 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay as much as $4,700 a year. View Rates by Age

The state you live in makes a big difference in Dodge Ram 2500 insurance rates. A 40-year-old driver could pay as low as $780 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,600 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles could save up to $320 a year, whereas increasing liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $480 extra every year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Rates assume 2011 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find Low Cost Dodge Ram 2500 Insurance

Getting lower rates on auto insurance not only requires avoiding accidents and violations, but also maintaining a good credit score, not filing small claims, and possibly raising deductibles. Shop around at every other renewal by getting quotes from direct insurance companies, and also from insurance agencies where you live.

The list below is a review of the concepts that were touched on in the above illustrations.

• Drivers who have several accidents or serious violations could be forced to pay on average $1,370 more every year for car insurance
• Teenagers are expensive to insure, as much as $396 a month if the policy includes full coverage
• It is possible to save up to $130 per year just by quoting online in advance
• Increasing physical damage deductibles can save approximately $325 each year
• It is possible to save up to $130 per year just by quoting online in advance